This email or alert will be the best source of information about why your payment isn’t available and what you may be able to do to prevent the delay of available funds in the future. If a buyer pays you and the payment isn’t immediately available, we’ll notify you via an email titled “An important message about your PayPal balance” or via an alert in your Account Overview page. 1Review the email we send and the alert in your account overview.Get more information on PayPal account limitations. Monitor and try to keep complaint rates below 1% of your sales.

Communicate clearly and alert customers about any changes, delays, or other important information.Ship promptly and give customers valid tracking information.The good news is you can reduce the chance of having a reserve put on your account by following these best practices: It’s not always possible to prevent reserves - and depending on your industry and credit history, you may never be able to fully remove a reserve from your account. For example, if we make the determination to keep a $5,000 jumpstart reserve and there is $15,000 in your account balance, we move $5,000 to reserves right away. Jumpstart reserve. This is when we hold funds from your available balance immediately.For instance, 10% of your daily transaction volume is held until a balance of $10,000 is reached, or a one-time amount of $10,000 is taken from the available balance and deposited in the reserve balance. We either take the minimum reserve as a percentage of money held until it reaches a certain amount, or a one-time amount. Minimum reserve. This is a specific minimum amount of money you’re required to keep available in your business account.It means 5% of the money you receive on day 1 is held and then released on day 61, 5% of the money you receive on day 2 is held until day 62, etc. Your reserve could be set at 5% and held for a 60-day rolling period. Rolling reserve. This is when a percentage of every transaction you receive is held and then released later, on a scheduled basis.They’re often put in place to protect against fraud, chargebacks, and other potential financial losses.Ĭommon types of PayPal account reserves include the following: What are account holds, limitations, and reservesĪccount holds and reserves are measures that financial institutions may use to manage risk. Learn more about what account limitations are and why they may be placed on your account. You’re selling higher-risk items. Higher-risk items can include tickets, gift cards, consumer electronics, computers, and travel packages.Unusual account activity includes a recent spike in sales or a change in your average selling price, business platform, or type of item being sold. Your selling pattern appears unusual or changed.Sometimes it’s possible your customer filed for a refund, dispute, or chargeback because someone illegally used their account to buy something. The best way to resolve this is to work directly with your customers to prevent, or solve, disputes and chargebacks. If multiple customers file for a refund, dispute, or chargeback, it can delay the availability of your funds. You haven’t sold in a while. When your selling activity has been dormant for a long time, it’ll also take time to rebuild a history of positive buyer-seller transactions.The good news is you can usually move out of this status by confirming your identity and building up a history of positive selling activity. You’re a first-time seller. When you’re a new seller, it takes time to build up enough history to demonstrate a pattern of positive buyer-seller transactions.Some of the reasons why we may need this information include: PayPal may place a hold or restrict your account activity if we need a little more information from you about a transaction, your business, or your account activity. Why are my funds inaccessible or on hold?

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